AU Altura Plus Credit Card
AU Small Finance Bank
Last updated: Feb 03, 2026
₹499
₹0
3.49%
8 visits/yr
Contents
AU Altura Plus is an affordable rewards and cashback credit card from AU Small Finance Bank that combines everyday savings with lifestyle perks. You earn 1.5% cashback on POS retail spends along with 2X reward points on eligible online transactions, making it ideal for daily shopping and bill payments. The card also offers monthly milestone bonuses, complimentary railway lounge access and a 1% fuel surcharge waiver to enhance your overall value. With digital-first features through the AU 0101 app, Altura Plus is designed for users who want a simple, rewards-packed credit card for day-to-day spending.
Features of AU Altura Plus Credit Card which makes it unique
Combined Cashback And Reward Points
Earn 1.5% cashback on POS spends along with reward points on online and continued POS spends.
Maximises value on both online and offline transactions without managing multiple cards.
Many entry-level cards offer either cashback or points; Altura Plus combines both.
Railway Lounge Access On Entry-Level Fee
Complimentary access to select IRCTC railway lounges every quarter.
Improves travel comfort for frequent train travellers without paying a high annual fee.
Railway lounge access is still rare among low-fee cashback cards.
Digital-First Experience With AU 0101 App
Full control of the card through AU 0101 app including spend tracking, EMI setup and card controls.
Makes the card easy to manage for mobile-first users who prefer self-service.
Strong app experience compared to many traditional entry-level cards.
Rewards Structure of AU Altura Plus Credit Card
Online Spends
acceleratedAll eligible online retail transactions (excluding fuel, rent, education, government, wallet loads and other excluded categories).
Best used for e-commerce, bill payments and other online purchases to maximise points.
POS Retail Spends
baseIn-store POS retail spends at merchant outlets, excluding fuel and other restricted categories.
Ideal for groceries, shopping and dining at physical stores to get both cashback and reward points.
Utilities And Telecom
baseUtility, telecom and select insurance category transactions billed to the card.
Useful for recurring bill payments where you still earn base reward points.
Insurance Premiums
baseEligible insurance premium payments made using the card.
Good for users who pay insurance premiums via credit card and want to earn additional points.
Milestones of AU Altura Plus Credit Card
Monthly Spend Milestone
₹20,000 retail spends in a calendar month (excluding fuel and cash withdrawals). : 500 bonus Reward Points credited once per month on qualifying spends.
First-Year Fee Waiver
₹20,000 retail spends within 90 days of card setup. : First year annual fee of ₹499 + taxes reversed in a subsequent statement as per bank T&Cs.
Annual Fee Waiver From Second Year
₹80,000 retail spends in the previous card anniversary year. : Annual fee of ₹499 + taxes waived for the next year.
Fees & Charges of AU Altura Plus Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | ₹499 |
| Forex Markup Fee | 3.49% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹700 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee of ₹499 + taxes waived when you spend ₹80,000 in the previous card anniversary year.
Fee Explanation Standard AU Small Finance Bank credit card fees apply, including 2.5% cash advance fee (min ₹100) and foreign currency mark-up of 3.49% on international transactions.
Detailed Explanation of AU Altura Plus Credit Card Fees
Joining Fee: ₹0 (one-time)
No joining fee currently applicable; subject to change as per bank policy.
Annual Fee: ₹499 + taxes (yearly)
Waived from 2nd year onwards on ₹80,000 annual retail spends in the previous card anniversary year.
First-Year Fee Waiver: ₹499 + taxes (one-time)
1st year fee waived on achieving ₹20,000 retail spends within 90 days of card setup.
Cash Advance Fee: 2.5% of withdrawal (min ₹100) (transaction)
Applicable on ATM and over-the-counter cash withdrawals until the outstanding is repaid.
Overlimit Charges: 2.5% of overlimit amount (min ₹500) (monthly)
Charged when the total outstanding exceeds the assigned credit limit.
Late Payment Charges: Up to ₹700 per statement cycle (monthly)
Slab-based late fee as per total amount due; nil for very small dues as per AU Bank schedule.
Foreign Currency Mark-up Fee: 3.49% (transaction)
Applied on all international transactions and currency conversions.
Lounge Access Benefits with AU Altura Plus Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
2 complimentary railway lounge visits per calendar quarter at select stations for primary and add-on cardholders combined, as per AU Bank lounge list and T&Cs.
Insurance Coverage with AU Altura Plus Credit Card
Card Liability Cover
As per AU Small Finance Bank credit card policy for lost card and fraudulent transactions reported in time.Zero liability on fraudulent transactions after loss reporting and protection against counterfeit, skimming and online frauds as per AU Bank T&Cs.
Purchase Protection & Extended Warranty
Coverage and warranty extension as defined under AU Rewardz / AU credit card insurance program for select mobile and electronic purchases.Applicable on eligible transactions only; detailed coverage limits and claim process as per AU Bank policy documents.
Additional Features of AU Altura Plus Credit Card
Contactless Payments
Tap to pay for transactions up to the applicable contactless limit without entering PIN at supported terminals.
PIN may still be required beyond certain limits or as per terminal configuration and regulatory norms.
Add-on Cards
Lifetime free add-on cards so family members can share the same credit limit and benefits.
Add-on cardholder must be at least 18 years old and fulfil basic KYC requirements.
XpressEMI
Convert eligible transactions of ₹2,000 and above into flexible EMIs via AU 0101 app, netbanking, WhatsApp banking or customer care.
EMI conversion fee and interest rate apply as per AU Bank schedule of charges.
AU Rewardz Portal
Redeem reward points for vouchers, merchandise, travel bookings and recharges via the AU Rewardz platform.
Redemption options, point value and catalog may change from time to time.
Welcome Bonus with AU Altura Plus Credit Card
Welcome Bonus: Shopping vouchers worth ₹500
Bonus Conditions: Earn vouchers worth ₹500 by spending at least ₹10,000 within 60 days of card setup (as per AU Bank offer T&Cs).
Application Process for AU Altura Plus Credit Card
Processing Time
7-10 working days after successful verification.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit AU Small Finance Bank’s official website or AU 0101 app and select AU Altura Plus Credit Card.
Fill in your basic personal and employment details along with contact and residence information.
Upload or share KYC documents such as PAN, Aadhaar and address proof as requested.
Await bank verification of your credit profile, income and documentation.
On approval, receive confirmation from AU Bank; the physical card is then printed and dispatched to your registered address.
Required Documents for AU Altura Plus Credit Card
ID Proof
all applicantsAccepted documents:
Address Proof
all applicantsAccepted documents:
Income Proof
salaried applicantsAccepted documents:
Income Proof
self-employed applicantsAccepted documents:
AU Altura Plus Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across India at most Visa-enabled POS terminals and online merchants.
International Acceptance
Accepted at Visa merchants worldwide for POS, e-commerce and cash withdrawals.
Online Acceptance
Can be used on major Indian and international e-commerce platforms, billers and payment gateways that support Visa credit cards.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for AU Altura Plus Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Resident Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Primary cardholder must be a resident Indian with a stable income, valid PAN, Aadhaar and address proof. Add-on cardholders must be at least 18 years old.
How Approval Is Decided
- Applicant meets AU Bank’s age and resident Indian criteria.
- Minimum monthly income requirement satisfied as per the bank’s internal policy for salaried or self-employed profiles.
- Satisfactory credit history and credit score, with no major recent defaults.
- Successful KYC completion and internal risk checks as per AU Small Finance Bank’s underwriting norms.
Pros of AU Altura Plus Credit Card
- Good blend of cashback and reward points for everyday online and offline spends.
- 2 complimentary railway lounge visits per quarter enhance value for frequent train travellers.
- Milestone bonus of 500 reward points per month and clear fee waiver conditions.
- Strong digital experience via AU 0101 app for spend tracking and EMI conversion.
Cons of AU Altura Plus Credit Card
- No complimentary airport lounge access; travel benefits are limited compared to premium cards.
- Fuel spends do not earn reward points and surcharge waiver is capped per statement.
- Foreign currency mark-up of 3.49% makes it less attractive for heavy international travellers.
- Cashback on POS spends is capped at ₹100 per statement cycle, limiting benefit for very high offline spenders.
Frequently Asked Questions about AU Altura Plus Credit Card
Is there a joining fee for AU Altura Plus Credit Card?
Currently there is no joining fee for AU Altura Plus. An annual fee of ₹499 + taxes is charged from the first year onwards, with clear spend-based waiver conditions as per AU Small Finance Bank policy.
How do cashback and reward points work on AU Altura Plus?
You earn 1.5% cashback on eligible POS retail spends at merchant outlets (capped at ₹100 per statement cycle) and 2 Reward Points per ₹100 on online spends. After reaching the cashback cap, POS transactions continue to earn 1 Reward Point per ₹100, so you get both cashback and points over time.
What milestone benefits does AU Altura Plus offer?
You earn 500 bonus Reward Points every month when you achieve ₹20,000 retail spends in a calendar month, excluding fuel and cash withdrawals. Additionally, spending ₹20,000 within 90 days of card setup helps you get the first-year fee waived, and ₹80,000 spends in a card anniversary year can waive the annual fee from the second year onwards.
Does AU Altura Plus offer lounge access?
Yes, AU Altura Plus provides 2 complimentary railway lounge visits per calendar quarter at select IRCTC executive lounges in India for the primary and add-on cardholders combined, subject to the bank’s lounge access terms and conditions.
What is the foreign currency mark-up fee on AU Altura Plus?
The foreign currency mark-up fee on AU Altura Plus is 3.49% of the transaction amount on international spends, plus applicable taxes. This charge is levied on overseas POS, ATM and online transactions made in foreign currencies.
Who is eligible to apply for AU Altura Plus Credit Card?
Typically, salaried applicants should be at least 21 years old and self-employed applicants 25 years or older, with a stable income, good credit history (preferably a credit score of 700 or more) and resident Indian status. Exact eligibility is determined by AU Small Finance Bank at the time of application and may vary by profile.
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